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StepChange: Debt advice reviews

Name: Debt advice
Rating: 4.92 (18650 reviews)

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4.92

Based on 18,650 reviews, last reviewed 28th Jun 2026

188650% increase in 5 star reviews

in the past 90 days

1600% increase in 1 star reviews

in the past 90 days

97%

Latest highest rating:

5

Non judgemental and really support you what ever you... Non judgemental and really support you what ever your situation. Very easy to talk to and so much support on your journey to being debt free Reviewed on: 28th June 2026

Latest lowest rating:

1

You can not get in touch over the phone unless it’s... You can not get in touch over the phone unless it’s early morning or you are in luck, meaning it would be time off work to call. When I have got throu... Read more Reviewed on: 22nd June 2026

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About this product

StepChange offer free and impartial advice to people who want to be free of debt.

The StepChange team will take time to understand your situation and then give you tailored advice based on your circumstances. StepChange can support you through a wide range of debt solutions including debt management plans and IVAs.

StepChange debt advice reviews help you find out what it’s really like to be a customer. If you’ve used StepChange before, you can also leave a review and share your experience.

Awards

Company of the year 2025

Awarded to the consumer credit company rated highest in customer reviews.
Best financial support provider 2025

Awarded to the financial support provider rated highest in customer reviews.

StepChange Debt advice reviews (18650)

Review of the StepChange, Debt advice:

I was a nervous wreck with debts piling up after bei...

I was a nervous wreck with debts piling up after being made redundant. Stepchange was recommended by a family member and it was the best thing I ever did. They talked me through everything and set up a manageable payment scheme. Reviewed on: 19th May 2024

Stepchange changed our life!

Stepchange changed our life. We went from struggling to eat and constantly worry, go being able to live comfortably knowing that our debts are slowly being paid off. Their advice is amazing and they answered any questions before we signed up. Reviewed on: 23rd May 2025

From debts to peace of mind

I had £24,000 worth of debt which never seemed to go down with all the interest I was paying every month. I found out about Stepchange from a friend. From the moment I spoke to them the weight was lifted. They were very sympathetic and non judgemental. They set my plan up and all the interest on the 10 accounts I had were frozen. I just pay one monthly payment now of which 100% comes off the debt. I currently owe around £11,000 and don't even think about it now. If anyone out there is struggling with debt please get in touch with Stepchange and make the first step to changing your situation. The process is so easy and the staff are all amazing. It was the best thing I ever did Reviewed on: 23rd May 2025

I am within a year of being clear of debt!

I started my plan about 2 years ago. I am within a year of being clear of debt, which was unmanageable before I entered into the arrangement. Very clear guidance and helpful staff. A non-profit organisation, so all my money goes towards paying my debts. Reviewed on: 23rd May 2025

From despair to hope for the future

When the cost of living crisis hit we started to really struggle and debt we had previously been just about able to pay we no longer could. We started to spiral until we came to a point where we thought we were going to default on our mortgage and lose our home. We were pointed in the direction of step change and it was the best thing that could of happened we got breathing space so all our bills stopped for a short time allowing us to catch up and focus in paying our mortgage. They then helped us to plan our budget and worked out what we had available after our living costs to pay back to our creditors. Step change contacted them all and handled all the repayments so we pay one sum to step change a month and they look after everything else. As time has gone on and our income and expenditure has changed it’s really simple to inform step change and they alter the repayments accordingly. I can’t say how grateful my wife and I are to have found step change and for the help they have given us we were literally in the pits of despair and they lifted us out and showed us the way forward. Reviewed on: 23rd May 2025

I was in a very bad place.

I was in a very bad place. My anxiety was through the roof, I thought I would lose everything. Step Change held me, listened, enabled me to confront my situation and deal with it. This was on me, no one else to blame but I was never judged. I had huge debt, in 3 months I will be debt free, I’m not sure if it will be an anticlimax, whether I will even believe it, but could not have done this without support from Step Change. My bank were pretty good too who led me to them. Had a succession of job losses, I may lose this one again soon but I will make debt free, no more credit, managed without, head came out the sand. Thanks to all the team who I have spoken to and supported this process with me. Reviewed on: 23rd May 2025

Once my DMP was set up it ran very smoothly and with...

Once my DMP was set up it ran very smoothly and without hiccup as long as the agreed money to pay the DMP was in my account. I can view my plan at any time. It takes a weight off my mind. Intend to stay with Step Change until my debts are cleared. Reviewed on: 23rd May 2025

It’s been absolutely amazing.

It’s been absolutely amazing. I honestly can’t thank you enough for everything you’ve done. Reviewed on: 23rd May 2025

Don’t know what I would have done if it wasn’t for s...

Don’t know what I would have done if it wasn’t for stepchange helping me. Courteous understanding caring and spoke to you as though they really care Reviewed on: 23rd May 2025

Unjudging

They are easy to talk with and are very understanding. They don't judge and just want to help. Reviewed on: 23rd May 2025

If I could leave a 10 star rating I would.

If I could leave a 10 star rating I would. I was almost at breaking point financially. I couldn't see a way out....I was then told about Stepchange. I made 1 phone call and everything changed. They eased all my fears and concerns. Told me what to do, since then no more calls from creditors, no debt collection visits and no CCJ. One affordable payment, that was nearly 7yrs, ago. I am so close now to not owing a penny to anyone in this world. Reviewed on: 23rd May 2025

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